Real Estate

Mortgage credit: loans over 27 years under certain conditions

Publié le 27 décembre 2023 - Legal and Administrative Information Directorate (Prime Minister)

The High Financial Stability Board (HCSF) has decided to extend the borrowing period from 25 to 27 years. specifies the conditions for taking advantage of it.

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Image 1Crédits: © chinnarach -

It is now possible to borrow for 27 years, if 10% of the total amount of the loan is earmarked for works. It used to be 25 years. It was a decision of December 18, 2023, by the Financial Stability Board. This decision was published in Official Journal of 24 December 2023.

A 27-year loan is conditional: at least 10% of the total amount of the loan must be dedicated to renovation works on the property. This work may involve modernization, reclamation, fitting-out or energy renovation.

Prior to this decision, a 27-year loan was granted if the works represented at least 25% of the loan amount.


The HSCF advocates a debt ratio that does not exceed 35% of a household’s monthly income, including mortgage insurance. For a household with a monthly income of €3,000, this represents for example €1,050 per month.

Bridge credits are excluded from the effort rate of 35% of revenue, if they do not represent more than 80% of the value of the sale.